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Employment Benefits

Life and Health

You can offer protection and security to your employees with access to a variety of affordable life & health products. Many of these products can be paid by the employer or employee and are open to groups as small as two. IIAV’s Life & Health coverages include:

Group Health and Group Dental Benefits available through IIAV for Agency Members and their Clients

The Independent Insurance Agents of Virginia, through their for-profit subsidiary VFSC, partnered with Asset Protection Group, Inc. in 2012 to provide and administer Group Health and Group Dental Plans for member agencies and their clients of all sizes.  Partnering with an employee benefits expert such as Asset Protectoin Group provides IIAV members with an array of products to choose from along with the service they expect and deserve. 
This partnership also provides the tools and knowledge agents need today to market employee benefits to their clients without the headaches and increased errors and omission exposure.  By offering these group benefits to your clients, IIAV members can earn the commission to increase their revenue.  Asset Protection Group will work alongside you to offer these employment benefit choices to your clients and provide the expertise needed. 
  • Group Health Insurance:
    Aetna, Anthem, CareFirst BC&BS, Cigna, Optima, United Health Care
    • HMO, POS, PPO, HDHP, "HSA's"
    • Choice of prescription plans
    • Fully Insured & Level Funded Plans
    • Great coverage and pricing flexibility
    • Multiple plans may be offered in your agency
  • Group Dental Insurance:
    Aetna, Anthem, Delta Dental, United Healthcare
    • Preventative & Restorative Services (Orthodontics Available)
    • Wide variety of Deductibles
    • Options on Benefit Maximums
  • Third Party Administration
    • Section 125 Premium Only Plans
    • Flexible Spending Accounts "FSA's"
    • Dependent Day Care
For more information about these important employment benefits programs, contact Monty Dise at Asset Protection Group, Inc (A Hub International Company), or call him at (804) 423-7700 Ext. 309

Group Life, Short Term Disability and Long Term Disability available through IIABA for Agency Members

  • Group Life Insurance:
    Three plan options through Guardian Life Insurance Company of America offer members and their employees affordable term life insurance.  You may select the employees you wish to cover, and three different pay levels are available to choose from.

  • Group Short Term Disability:
    Our Short Term Disability plans protect you from loss of income during an illness or accident that lasts between one and 26 weeks and protect you against financial loss prior to the date your long term disability becomes effective.  Guardian Life Insurance Company of American has two plans to choose from, both of which offer weekly income benefits up to $500 and special benefits for residual disability.

  • Group Long Term Disability:
    Protect your ability to earn a living. Underwritten by the Guardian Life Insurance Company of America, agency members can choose from two plan alternatives to fit your individual needs. This protection offers you up to $10,000 per month income benefit, optional cost of living benefit and family protection, special benefits for residual disability, your choice of waiting periods and waiver of premium
For more information about these important employee benefits programs, brochures can be downloaded from the IIABA website OR email IIABA Director of Employee Benefits, Christine Munoz,, or call her at 1-800-848-4401.